Call reports 2015
BANK OF DUDLEY — 2015
What BANK OF DUDLEY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,709,000 | 196,195,000 | 196,608,000 | 199,672,000 |
| Total loans | 134,895,000 | 139,185,000 | 139,389,000 | 138,063,000 |
| Allowance for loan losses | 1,796,000 | 1,868,000 | 1,861,000 | 1,716,000 |
| Securities available for sale | 31,994,000 | 31,983,000 | 30,626,000 | 29,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,438,000 | 174,328,000 | 173,752,000 | 176,437,000 |
| Interest-bearing deposits | 138,108,000 | 136,868,000 | 134,977,000 | 135,314,000 |
| Noninterest-bearing deposits | 40,330,000 | 37,460,000 | 38,775,000 | 41,123,000 |
| Equity capital | 21,890,000 | 21,588,000 | 22,261,000 | 22,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 4,122,000 | 6,306,000 | 8,423,000 |
| Interest expense | 122,000 | 243,000 | 365,000 | 487,000 |
| Net interest income | 1,881,000 | 3,879,000 | 5,941,000 | 7,936,000 |
| Noninterest income | 379,000 | 739,000 | 1,225,000 | 1,580,000 |
| Noninterest expense | 1,618,000 | 3,209,000 | 4,861,000 | 6,542,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 350,000 |
| Pretax income | 578,000 | 1,285,000 | 2,121,000 | 2,620,000 |
| Income tax | 171,000 | 382,000 | 633,000 | 748,000 |
| Net income | 407,000 | 903,000 | 1,488,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,700,000 | 21,545,000 | 22,130,000 | 22,515,000 |
| Total capital | 23,306,000 | 23,198,000 | 23,786,000 | 24,180,000 |
| Risk-weighted assets | 128,292,000 | 132,040,000 | 132,256,000 | 133,173,000 |